The Division of Consumer Finance licenses and regulates non-depository financial service industries and individuals and conducts examinations and complaint investigations for licensed entities to determine compliance with Florida law. The division is organized into a Bureau of Registrations that licenses business and individuals, and a Bureau of Enforcement that conducts examinations of registered entities throughout the state and processes complaints.
An applicant for licensure may be asked to provide a Social Security Number, which is imperative for the Florida Office of Financial Regulation to perform its duties and responsibilities as prescribed by the statutes and rules listed below.
Bureau of Registration: processes licenses to ensure that only individuals and businesses that meet the requirements in Florida law are allowed to conduct business in Florida.
Bureau of Enforcement: conducts examinations of licensees which conduct mortgage loan and lending activity, consumer and retail sales, title loans and debt collection.
Consumer Finance: Consumer Finance Companies
Title Loan Companies: Title Loan Lender
Chapter 494, Florida Statutes - Loan Originators and Mortgage Brokers
Chapter 516, Florida Statutes - Consumer Finance Act
Chapter 520, Florida Statutes - Retail Installment Sales
Chapter 537, Florida Statutes - Title Loan Companies
Chapter 559-Part V, Florida Statutes - Commercial Collection Practices
Chapter 559-Part VI, Florida Statutes - Consumer Collection Practices
Chapter 560, Florida Statutes - Money Services Businesses
Rule 69V-40, Florida Administrative Code - Mortgage Brokerage
Rule 69V-45, Florida Administrative Code - Title Loan Companies
Rule 69V-50, Florida Administrative Code - Motor Vehicles Sales Finance
Rule 69V-60, Florida Administrative Code - Retail Installment Sales
Rule 69V-70, Florida Administrative Code - Sales Finance
Rule 69V-80, Florida Administrative Code - Home Improvement Sales and Finance
Rule 69V-85, Florida Administrative Code - Retail Installments Sales Act - General Rules
Rule 69V-160, Florida Administrative Code - Florida Consumer Finance Act
Rule 69V-180, Florida Administrative Code - Collection Agencies
Rule 69V-560, Florida Administrative Code - Money Transmitters